Free Health Insurance For Kids
Free health insurance for kids might seem like one of those deals that are too good to be true but this is no hoax. Most private health insurance funds in Australia charge the same premiums for families with children as they do for couples without children which effectively means you can get free private health insurance for your kids.While this might make a few couples without kids a little cranky at the thought of subsidising health insurance for someone else’s children, it means that families with kids are in a much better position to afford private health cover without having to breaking the bank. Pennywise parents are always on the lookout for child-friendly discounts which is why offers such as “kids stay and eat for free” deals are so popular during school holidays. Some health funds have decided to take their child-friendly offers even further by waiving the hospital excess if your child is admitted to hospital. There are also offers for no-gap dental services at participating dental clinics. So you ask, is there anything in the fine print you should know about? Well, the technical mumbo-jumbo defines a dependent child as “an unmarried person under the age of 18 years”. Individual health funds can however extend that age limit for dependent children up to age 25 providing that the child is still a full-time student and remains unmarried. If you’re a couple thinking about having your first child, you should also be aware that a 12-month waiting period usually has to be served before benefits can be claimed on behalf of the child so it’s very important to modify your health insurance cover before you start trying to conceive. Each health insurance fund has different offers so here are a few questions to ask when shopping around for hospital and extras cover;
Health Insurance homepage ... Latest Articles ... |
Australia | New Zealand